Plevin

21 Posts
Foolishly I think, I applied to repayment of ppi under Plevin from the Co-op for a loan taken out in 2003. I’ve had a letter from the bank saying that the claim route applies only to charges after 2007.
Can I try again through the more normal route?
Thanks. (Feeling a bit stupid)
Can I try again through the more normal route?
Thanks. (Feeling a bit stupid)
0
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You cannot make repeated complaints I'm afraid.
Sorry.
Read my earlier response.
Plevin only applies to rejected PPI complaints. So, to even be considered for Plevin, your PPI needs to have not been mis-sold.
Sorry.
The bank says Plevin only applies to claims on charges after 2007. The loan was in 2003.
So is that an end to it, because I made a mistake and didn’t go down the normal route first?
Plevin comes about due to a change in the consumer credit act 2006 (effective 2008, although some falls under 2007). So, if the debt was repaid before the law changed, the debt would never have been subject to that law. Hence the bank is correct in rejecting it.
The "normal" way of doing things is that you make your complaint. If the complaint is rejected, they then look at whether plevin applies. You dont normally go straight to Plevin.
It is possible with some lenders to just do a Plevin complaint and not complain about the PPI
“I think that the Government are right to apply to join the European Economic Community...” -Winston Churchill 1961
“The future of Europe if Britain were to be excluded is black indeed.”[FONT="][FONT="][FONT="] - Winston Churchill 1963
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Again, it is not a fact, you can put in a Plevin only complaint without complaining about PPI and actually keep the PPI policy going with some lenders
Natwest for example
(RBS as part of the same group also accept it)
“I think that the Government are right to apply to join the European Economic Community...” -Winston Churchill 1961
“The future of Europe if Britain were to be excluded is black indeed.”[FONT="][FONT="][FONT="] - Winston Churchill 1963
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He'll need to provide the usual valid complaint reasons, of course.
I still don't fancy his chances, though.